violation OR no??

Discussion in 'Credit Talk' started by kit, Mar 31, 2002.

  1. kit

    kit Well-Known Member

    I sent a validation letter to a ca this month and they have not responded. The first week after they received my validation letter, they removed the tradeline off all reports. HOWEVER, this week they have re-inserted the information, giving it a first reported date of 03/2002. They also changed the open date to 07/1997 (it was previously reported as 01/1997) thus re-aging the tradeline. I know the re-aging part is a violation, but is the re-reporting of the information during validation also a violation?
     
  2. Andrew

    Andrew Well-Known Member

    Absolutely!

    I hope you have physical proof that the tradeline was removed and then reinserted It is my opinion that this proof will substantiate collection activity.
     
  3. kit

    kit Well-Known Member

    Yes, I have proof- both experian and equifax reports. I have tried to avoid lawsuits- but this was just TOO MUCH. I am infuriated and ready to take these guys OUT.
     
  4. LKH

    LKH Well-Known Member

    When it was reinserted on your report, did the words"consumer disputes" also appear?
     
  5. kit

    kit Well-Known Member

    on one report (EQ) it did, on EXP, it did not and TU- I have no idea.
     
  6. kit

    kit Well-Known Member

    OMG!!! I just saw that they actually CHANGED THE ACCOUNT NUMBER!!
     
  7. mindcrime2

    mindcrime2 Well-Known Member


    This is common practice with certain CA's. They'll change the account number, thus giving you duplicate collection accounts on your report.

    Or they'll do exatly what they did with you, (deleting one account, creating another collection account with a different account number)

    As the previous poster said, be sure to keep all correspondence (if any) from them, all credit reports, green cards, envelopes, etc.
     
  8. whyspers

    whyspers Well-Known Member

    Yup...its not uncommon all the way around. They change the acount number and re-report it re-aged.


    L
     
  9. kit

    kit Well-Known Member

    Yeah, I know its not uncommon-I was just SOOO infuriated when I actually figured it out- which happened to be at the same time I was writing my last post. Still angry- but not screaming OMG!!
     
  10. lbrown59

    lbrown59 Well-Known Member

    We need to take them all out.
    The way to do that is to refuse to get involved with the shysters who treat us like dirt.

     
  11. Andrew

    Andrew Well-Known Member

    I agree! Sue their a$$es off! Sooner or later you gotta stnd up for what's right.
     

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